Home > Dairyman's State Bank > Income and Expense
Dairyman's State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,939,000 | 5,265 |
| Total interest expense | $2,795,000 | 4,984 |
| Net interest income | $3,144,000 | 5,377 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $544,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $269,000 | 4,313 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $275,000 | 4,409 |
| Total noninterest expense | $2,846,000 | 5,174 |
| Salaries and employee benefits | $1,637,000 | 5,029 |
| Premises and equipment expense | $400,000 | 5,028 |
| Additional noninterest expense | $809,000 | 5,315 |
| Pre-tax net operating income | $762,000 | 5,271 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 5,687 |
| Income before extraordinary items | $754,000 | 4,912 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $754,000 | 4,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,585 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $754,000 | 4,887 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,474,000 | 5,266 |
| Total interest expense | $2,102,000 | 4,983 |
| Net interest income | $2,372,000 | 5,387 |
| Provision for loan and lease losses | $59,000 | 4,893 |
| Total noninterest income | $438,000 | 4,708 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $210,000 | 4,239 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $228,000 | 4,247 |
| Total noninterest expense | $2,260,000 | 4,966 |
| Salaries and employee benefits | $1,318,000 | 4,795 |
| Premises and equipment expense | $307,000 | 4,949 |
| Additional noninterest expense | $635,000 | 5,107 |
| Pre-tax net operating income | $491,000 | 5,808 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-18,000 | 8,071 |
| Income before extraordinary items | $509,000 | 5,341 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $509,000 | 5,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,826 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $509,000 | 5,326 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,978,000 | 5,288 |
| Total interest expense | $1,387,000 | 5,019 |
| Net interest income | $1,591,000 | 5,401 |
| Provision for loan and lease losses | $39,000 | 4,684 |
| Total noninterest income | $255,000 | 5,036 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $141,000 | 4,215 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $114,000 | 4,859 |
| Total noninterest expense | $1,555,000 | 4,904 |
| Salaries and employee benefits | $909,000 | 4,722 |
| Premises and equipment expense | $208,000 | 4,900 |
| Additional noninterest expense | $438,000 | 4,991 |
| Pre-tax net operating income | $252,000 | 6,340 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-40,000 | 8,259 |
| Income before extraordinary items | $292,000 | 5,712 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $292,000 | 5,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,413 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $292,000 | 5,700 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 5,278 |
| Total interest expense | $693,000 | 5,007 |
| Net interest income | $798,000 | 5,388 |
| Provision for loan and lease losses | $19,000 | 4,447 |
| Total noninterest income | $116,000 | 5,203 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $66,000 | 4,317 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $50,000 | 5,113 |
| Total noninterest expense | $791,000 | 4,830 |
| Salaries and employee benefits | $460,000 | 4,710 |
| Premises and equipment expense | $105,000 | 4,900 |
| Additional noninterest expense | $226,000 | 4,851 |
| Pre-tax net operating income | $104,000 | 6,611 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-32,000 | 8,366 |
| Income before extraordinary items | $136,000 | 5,846 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $136,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $136,000 | 5,826 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,824,000 | 5,112 |
| Total interest expense | $2,532,000 | 4,789 |
| Net interest income | $3,292,000 | 5,250 |
| Provision for loan and lease losses | $96,000 | 4,805 |
| Total noninterest income | $628,000 | 4,613 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $289,000 | 4,204 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $339,000 | 4,060 |
| Total noninterest expense | $3,245,000 | 4,631 |
| Salaries and employee benefits | $1,943,000 | 4,375 |
| Premises and equipment expense | $391,000 | 4,992 |
| Additional noninterest expense | $911,000 | 4,817 |
| Pre-tax net operating income | $579,000 | 6,254 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $-72,000 | 8,330 |
| Income before extraordinary items | $650,000 | 5,651 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $650,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,393 |
| Cash dividends | $2,000,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $651,000 | 5,633 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 5,133 |
| Total interest expense | $1,833,000 | 4,806 |
| Net interest income | $2,493,000 | 5,274 |
| Provision for loan and lease losses | $125,000 | 3,756 |
| Total noninterest income | $496,000 | 4,495 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $217,000 | 4,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $279,000 | 3,864 |
| Total noninterest expense | $2,455,000 | 4,596 |
| Salaries and employee benefits | $1,458,000 | 4,334 |
| Premises and equipment expense | $290,000 | 5,060 |
| Additional noninterest expense | $707,000 | 4,667 |
| Pre-tax net operating income | $409,000 | 6,576 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-31,000 | 8,472 |
| Income before extraordinary items | $440,000 | 6,032 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $440,000 | 6,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,424 |
| Cash dividends | $2,000,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $440,000 | 6,027 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 5,156 |
| Total interest expense | $1,159,000 | 4,829 |
| Net interest income | $1,669,000 | 5,275 |
| Provision for loan and lease losses | $84,000 | 3,673 |
| Total noninterest income | $315,000 | 4,605 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $144,000 | 4,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,055 |
| Total noninterest expense | $1,639,000 | 4,597 |
| Salaries and employee benefits | $975,000 | 4,344 |
| Premises and equipment expense | $192,000 | 5,050 |
| Additional noninterest expense | $472,000 | 4,653 |
| Pre-tax net operating income | $261,000 | 6,704 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-23,000 | 8,530 |
| Income before extraordinary items | $284,000 | 6,134 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $284,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,609 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $284,000 | 6,135 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 5,189 |
| Total interest expense | $549,000 | 4,847 |
| Net interest income | $829,000 | 5,292 |
| Provision for loan and lease losses | $41,000 | 3,507 |
| Total noninterest income | $157,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $65,000 | 4,375 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $92,000 | 3,883 |
| Total noninterest expense | $840,000 | 4,536 |
| Salaries and employee benefits | $499,000 | 4,292 |
| Premises and equipment expense | $99,000 | 4,994 |
| Additional noninterest expense | $242,000 | 4,572 |
| Pre-tax net operating income | $105,000 | 6,994 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-29,000 | 8,600 |
| Income before extraordinary items | $134,000 | 6,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $134,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,212 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $134,000 | 6,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,179,000 | 5,044 |
| Total interest expense | $1,643,000 | 4,993 |
| Net interest income | $3,536,000 | 4,988 |
| Provision for loan and lease losses | $117,000 | 4,613 |
| Total noninterest income | $589,000 | 4,829 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $305,000 | 4,139 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $284,000 | 4,459 |
| Total noninterest expense | $3,395,000 | 4,395 |
| Salaries and employee benefits | $1,974,000 | 4,155 |
| Premises and equipment expense | $427,000 | 4,653 |
| Additional noninterest expense | $994,000 | 4,439 |
| Pre-tax net operating income | $613,000 | 6,385 |
| Securities gains (losses) | $-28,000 | 7,972 |
| Applicable income taxes | $-58,000 | 8,560 |
| Income before extraordinary items | $643,000 | 5,843 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $643,000 | 5,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,472 |
| Cash dividends | $750,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $671,000 | 5,730 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,782,000 | 5,093 |
| Total interest expense | $1,133,000 | 5,097 |
| Net interest income | $2,649,000 | 5,004 |
| Provision for loan and lease losses | $89,000 | 4,490 |
| Total noninterest income | $380,000 | 5,228 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $228,000 | 4,166 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $152,000 | 5,165 |
| Total noninterest expense | $2,552,000 | 4,350 |
| Salaries and employee benefits | $1,485,000 | 4,130 |
| Premises and equipment expense | $308,000 | 4,750 |
| Additional noninterest expense | $759,000 | 4,355 |
| Pre-tax net operating income | $388,000 | 6,842 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $-46,000 | 8,677 |
| Income before extraordinary items | $435,000 | 6,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $435,000 | 6,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,928 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $434,000 | 6,162 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 5,150 |
| Total interest expense | $679,000 | 5,246 |
| Net interest income | $1,751,000 | 5,031 |
| Provision for loan and lease losses | $61,000 | 4,100 |
| Total noninterest income | $248,000 | 5,232 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $150,000 | 4,151 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $98,000 | 5,236 |
| Total noninterest expense | $1,695,000 | 4,346 |
| Salaries and employee benefits | $992,000 | 4,108 |
| Premises and equipment expense | $207,000 | 4,708 |
| Additional noninterest expense | $496,000 | 4,402 |
| Pre-tax net operating income | $243,000 | 6,956 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-31,000 | 8,682 |
| Income before extraordinary items | $274,000 | 6,315 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $274,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $274,000 | 6,264 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 5,258 |
| Total interest expense | $302,000 | 5,462 |
| Net interest income | $867,000 | 5,078 |
| Provision for loan and lease losses | $32,000 | 3,873 |
| Total noninterest income | $120,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $839,000 | 4,402 |
| Salaries and employee benefits | $504,000 | 4,068 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $227,000 | 4,679 |
| Pre-tax net operating income | $116,000 | 7,013 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-18,000 | 8,736 |
| Income before extraordinary items | $134,000 | 6,335 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $134,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $134,000 | 6,291 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,039,000 | 4,827 |
| Total interest expense | $1,203,000 | 5,106 |
| Net interest income | $3,836,000 | 4,621 |
| Provision for loan and lease losses | $101,000 | 4,958 |
| Total noninterest income | $669,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $331,000 | 4,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $338,000 | 4,044 |
| Total noninterest expense | $3,417,000 | 4,255 |
| Salaries and employee benefits | $2,031,000 | 3,950 |
| Premises and equipment expense | $398,000 | 4,779 |
| Additional noninterest expense | $988,000 | 4,392 |
| Pre-tax net operating income | $987,000 | 5,270 |
| Securities gains (losses) | $31,000 | 2,094 |
| Applicable income taxes | $161,000 | 5,009 |
| Income before extraordinary items | $857,000 | 5,098 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $857,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,189 |
| Cash dividends | $675,000 | 3,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $830,960 | 5,107 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,818,000 | 4,770 |
| Total interest expense | $901,000 | 5,083 |
| Net interest income | $2,917,000 | 4,568 |
| Provision for loan and lease losses | $79,000 | 4,750 |
| Total noninterest income | $523,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $256,000 | 4,044 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $267,000 | 3,945 |
| Total noninterest expense | $2,584,000 | 4,205 |
| Salaries and employee benefits | $1,559,000 | 3,839 |
| Premises and equipment expense | $320,000 | 4,560 |
| Additional noninterest expense | $705,000 | 4,494 |
| Pre-tax net operating income | $777,000 | 5,270 |
| Securities gains (losses) | $31,000 | 2,017 |
| Applicable income taxes | $130,000 | 5,038 |
| Income before extraordinary items | $678,000 | 5,042 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $678,000 | 5,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,863 |
| Cash dividends | $55,000 | 4,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $651,960 | 5,061 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 4,713 |
| Total interest expense | $598,000 | 5,109 |
| Net interest income | $1,990,000 | 4,494 |
| Provision for loan and lease losses | $61,000 | 4,254 |
| Total noninterest income | $368,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $167,000 | 4,079 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $201,000 | 3,722 |
| Total noninterest expense | $1,717,000 | 4,236 |
| Salaries and employee benefits | $1,034,000 | 3,875 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $473,000 | 4,515 |
| Pre-tax net operating income | $580,000 | 4,904 |
| Securities gains (losses) | $18,000 | 2,100 |
| Applicable income taxes | $107,000 | 4,754 |
| Income before extraordinary items | $491,000 | 4,786 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $491,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 1,499 |
| Cash dividends | $55,000 | 4,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $476,240 | 4,777 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,309,000 | 4,694 |
| Total interest expense | $305,000 | 5,116 |
| Net interest income | $1,004,000 | 4,464 |
| Provision for loan and lease losses | $27,000 | 4,453 |
| Total noninterest income | $195,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $112,000 | 3,473 |
| Total noninterest expense | $860,000 | 4,243 |
| Salaries and employee benefits | $515,000 | 3,911 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $238,000 | 4,481 |
| Pre-tax net operating income | $312,000 | 4,728 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $59,000 | 4,619 |
| Income before extraordinary items | $253,000 | 4,716 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $253,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $55,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $253,000 | 4,594 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,632,000 | 4,487 |
| Total interest expense | $1,546,000 | 4,780 |
| Net interest income | $4,086,000 | 4,299 |
| Provision for loan and lease losses | $114,000 | 5,128 |
| Total noninterest income | $908,000 | 3,930 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $377,000 | 3,778 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $531,000 | 3,479 |
| Total noninterest expense | $3,427,000 | 4,185 |
| Salaries and employee benefits | $2,024,000 | 3,885 |
| Premises and equipment expense | $481,000 | 4,190 |
| Additional noninterest expense | $922,000 | 4,545 |
| Pre-tax net operating income | $1,453,000 | 4,204 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $338,000 | 4,098 |
| Income before extraordinary items | $1,115,000 | 4,322 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,115,000 | 4,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $575,000 | 3,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,115,000 | 4,160 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,255,000 | 4,522 |
| Total interest expense | $1,212,000 | 4,786 |
| Net interest income | $3,043,000 | 4,348 |
| Provision for loan and lease losses | $56,000 | 5,611 |
| Total noninterest income | $741,000 | 3,812 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $289,000 | 3,737 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $452,000 | 3,321 |
| Total noninterest expense | $2,560,000 | 4,189 |
| Salaries and employee benefits | $1,559,000 | 3,791 |
| Premises and equipment expense | $349,000 | 4,282 |
| Additional noninterest expense | $652,000 | 4,720 |
| Pre-tax net operating income | $1,168,000 | 4,148 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $285,000 | 4,012 |
| Income before extraordinary items | $883,000 | 4,343 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $883,000 | 4,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $75,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $883,000 | 4,172 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,863,000 | 4,528 |
| Total interest expense | $846,000 | 4,760 |
| Net interest income | $2,017,000 | 4,373 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $488,000 | 3,797 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $193,000 | 3,709 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $295,000 | 3,322 |
| Total noninterest expense | $1,725,000 | 4,144 |
| Salaries and employee benefits | $1,040,000 | 3,792 |
| Premises and equipment expense | $262,000 | 3,895 |
| Additional noninterest expense | $423,000 | 4,815 |
| Pre-tax net operating income | $740,000 | 4,277 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $181,000 | 4,161 |
| Income before extraordinary items | $559,000 | 4,492 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $559,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $75,000 | 4,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $559,000 | 4,282 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 4,489 |
| Total interest expense | $440,000 | 4,734 |
| Net interest income | $1,024,000 | 4,327 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $216,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 3,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $127,000 | 3,502 |
| Total noninterest expense | $857,000 | 4,151 |
| Salaries and employee benefits | $519,000 | 3,791 |
| Premises and equipment expense | $134,000 | 3,837 |
| Additional noninterest expense | $204,000 | 4,894 |
| Pre-tax net operating income | $362,000 | 4,308 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $87,000 | 4,199 |
| Income before extraordinary items | $275,000 | 4,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $275,000 | 4,271 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,529,000 | 4,286 |
| Total interest expense | $2,079,000 | 4,666 |
| Net interest income | $4,450,000 | 4,031 |
| Provision for loan and lease losses | $89,000 | 5,940 |
| Total noninterest income | $619,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $354,000 | 3,838 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $265,000 | 4,515 |
| Total noninterest expense | $3,499,000 | 3,976 |
| Salaries and employee benefits | $2,092,000 | 3,598 |
| Premises and equipment expense | $513,000 | 3,872 |
| Additional noninterest expense | $894,000 | 4,566 |
| Pre-tax net operating income | $1,481,000 | 4,154 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $378,000 | 4,000 |
| Income before extraordinary items | $1,103,000 | 4,315 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,103,000 | 4,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,150 |
| Cash dividends | $450,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,103,000 | 4,210 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 4,314 |
| Total interest expense | $3,039,000 | 4,680 |
| Net interest income | $4,216,000 | 3,960 |
| Provision for loan and lease losses | $47,000 | 6,791 |
| Total noninterest income | $535,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $322,000 | 3,991 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $213,000 | 4,793 |
| Total noninterest expense | $3,315,000 | 4,004 |
| Salaries and employee benefits | $2,032,000 | 3,552 |
| Premises and equipment expense | $483,000 | 4,002 |
| Additional noninterest expense | $800,000 | 4,781 |
| Pre-tax net operating income | $1,389,000 | 4,062 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $359,000 | 3,936 |
| Income before extraordinary items | $1,030,000 | 4,208 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,030,000 | 4,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,826 |
| Cash dividends | $925,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,030,000 | 4,094 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,048,000 | 4,562 |
| Total interest expense | $3,330,000 | 4,546 |
| Net interest income | $3,718,000 | 4,422 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $563,000 | 4,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,021 |
| Total noninterest expense | $3,024,000 | 4,201 |
| Salaries and employee benefits | $1,822,000 | 3,742 |
| Premises and equipment expense | $376,000 | 4,705 |
| Additional noninterest expense | $826,000 | 4,627 |
| Pre-tax net operating income | $1,245,000 | 4,630 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $349,000 | 4,275 |
| Income before extraordinary items | $896,000 | 4,693 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $896,000 | 4,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $630,000 | 3,100 |
| Sale, conversion, retirement of capital stock, net | $1,850,000 | 377 |
| Net operating income | $896,000 | 4,696 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 5,332 |
| Total interest expense | $2,271,000 | 5,532 |
| Net interest income | $3,094,000 | 5,034 |
| Provision for loan and lease losses | $47,000 | 6,669 |
| Total noninterest income | $384,000 | 5,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,135 |
| Total noninterest expense | $2,286,000 | 5,183 |
| Salaries and employee benefits | $1,414,000 | 4,551 |
| Premises and equipment expense | $288,000 | 5,591 |
| Additional noninterest expense | $584,000 | 5,921 |
| Pre-tax net operating income | $1,145,000 | 4,912 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $309,000 | 4,751 |
| Income before extraordinary items | $836,000 | 4,956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $836,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,745 |
| Cash dividends | $525,000 | 3,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $836,000 | 4,919 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,493,000 | 5,307 |
| Total interest expense | $2,449,000 | 5,437 |
| Net interest income | $3,044,000 | 5,088 |
| Provision for loan and lease losses | $69,000 | 5,910 |
| Total noninterest income | $395,000 | 5,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,083 |
| Total noninterest expense | $2,074,000 | 5,460 |
| Salaries and employee benefits | $1,158,000 | 5,213 |
| Premises and equipment expense | $253,000 | 5,923 |
| Additional noninterest expense | $663,000 | 5,375 |
| Pre-tax net operating income | $1,296,000 | 4,630 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $376,000 | 4,577 |
| Income before extraordinary items | $920,000 | 4,762 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $920,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $920,000 | 4,671 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,248,000 | 5,598 |
| Total interest expense | $2,408,000 | 5,550 |
| Net interest income | $2,840,000 | 5,530 |
| Provision for loan and lease losses | $103,000 | 5,098 |
| Total noninterest income | $312,000 | 6,517 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,088 |
| Total noninterest expense | $1,975,000 | 5,707 |
| Salaries and employee benefits | $1,070,000 | 5,598 |
| Premises and equipment expense | $238,000 | 6,238 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $1,074,000 | 5,616 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $285,000 | 5,867 |
| Income before extraordinary items | $789,000 | 5,508 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $789,000 | 5,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $789,000 | 5,456 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,047,000 | 5,894 |
| Total interest expense | $2,304,000 | 5,842 |
| Net interest income | $2,743,000 | 5,814 |
| Provision for loan and lease losses | $156,000 | 3,974 |
| Total noninterest income | $299,000 | 6,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,916 |
| Total noninterest expense | $2,107,000 | 5,726 |
| Salaries and employee benefits | $1,176,000 | 5,293 |
| Premises and equipment expense | $248,000 | 6,276 |
| Additional noninterest expense | $683,000 | 5,836 |
| Pre-tax net operating income | $779,000 | 6,589 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $167,000 | 7,631 |
| Income before extraordinary items | $613,000 | 6,191 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $613,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,913 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $612,210 | 6,139 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,672,000 | 6,270 |
| Total interest expense | $2,108,000 | 6,251 |
| Net interest income | $2,564,000 | 6,198 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $240,000 | 7,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,386 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,059 |
| Total noninterest expense | $1,915,000 | 6,190 |
| Salaries and employee benefits | $1,097,000 | 5,606 |
| Premises and equipment expense | $253,000 | 6,297 |
| Additional noninterest expense | $565,000 | 6,747 |
| Pre-tax net operating income | $793,000 | 6,862 |
| Securities gains (losses) | $19,000 | 1,949 |
| Applicable income taxes | $179,000 | 7,787 |
| Income before extraordinary items | $633,000 | 6,411 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $633,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,500 |
| Cash dividends | $280,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $618,180 | 6,496 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,156,000 | 6,517 |
| Total interest expense | $1,726,000 | 6,274 |
| Net interest income | $2,430,000 | 6,607 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $264,000 | 7,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,607 |
| Total noninterest expense | $1,859,000 | 6,545 |
| Salaries and employee benefits | $1,025,000 | 5,973 |
| Premises and equipment expense | $249,000 | 6,540 |
| Additional noninterest expense | $585,000 | 7,147 |
| Pre-tax net operating income | $775,000 | 7,010 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $172,000 | 7,876 |
| Income before extraordinary items | $606,000 | 6,493 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $606,000 | 6,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,010 |
| Cash dividends | $792,000 | 2,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $603,660 | 6,564 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,480,000 | 6,328 |
| Total interest expense | $1,910,000 | 6,069 |
| Net interest income | $2,570,000 | 6,417 |
| Provision for loan and lease losses | $55,000 | 7,245 |
| Total noninterest income | $233,000 | 8,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $1,797,000 | 6,898 |
| Salaries and employee benefits | $973,000 | 6,290 |
| Premises and equipment expense | $230,000 | 7,093 |
| Additional noninterest expense | $594,000 | 7,395 |
| Pre-tax net operating income | $951,000 | 6,106 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $265,000 | 6,565 |
| Income before extraordinary items | $703,000 | 6,094 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $703,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $864,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $690,590 | 5,916 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 6,483 |
| Total interest expense | $2,297,000 | 6,410 |
| Net interest income | $2,609,000 | 6,388 |
| Provision for loan and lease losses | $61,000 | 8,508 |
| Total noninterest income | $196,000 | 9,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,752,000 | 7,099 |
| Salaries and employee benefits | $999,000 | 6,034 |
| Premises and equipment expense | $217,000 | 7,459 |
| Additional noninterest expense | $536,000 | 8,129 |
| Pre-tax net operating income | $992,000 | 5,656 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $307,000 | 5,840 |
| Income before extraordinary items | $684,000 | 6,021 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $684,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 5,631 |
| Cash dividends | $128,000 | 6,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $684,690 | 5,674 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.